yet it remains on my credit file XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 607 ( B ) Duty to assure accuracy Issue : Reporting a {$0.00} balance account as a chargeoff is inaccurate Story : The reporting contradicts itself

What the CFPB Record Shows About yet it remains on my credit file XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 607 ( B ) Duty to assure accuracy Issue : Reporting a {$0.00} balance account as a chargeoff is inaccurate Story : The reporting contradicts itself

yet it remains on my credit file XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 607 ( B ) Duty to assure accuracy Issue : Reporting a {$0.00} balance account as a chargeoff is inaccurate Story : The reporting contradicts itself has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to ADDR, and the most recent logged activity is ADDRESS XX, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, yet it remains on my credit file XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 607 ( B ) Duty to assure accuracy Issue : Reporting a {$0.00} balance account as a chargeoff is inaccurate Story : The reporting contradicts itself reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "not associated with me Story : This address has never been my residence and is being inaccurately linked to my credit file", and the single most common underlying issue is "not associated with me Story : I have never lived at or been connected to this address. The continued reporting of this address violates the accuracy requirements of the FCRA and may cause false associations with accounts that are not mine ACCOUNTS XXXX XXXX XXXX XXXX High Balance : {$670.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 611 Right to dispute inaccurate information Issue : Account status and balance are being inaccurately reported Story : This account is not mine".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating yet it remains on my credit file XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 607 ( B ) Duty to assure accuracy Issue : Reporting a {$0.00} balance account as a chargeoff is inaccurate Story : The reporting contradicts itself: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.